Senior Lead Product Manager, Personal Loans Strategy
Wells Fargo
Senior Lead Product Manager, Personal Loans Strategy
Job Description
About this role: Wells Fargo’s Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it’s buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Personal Loans, Cards, Retail and Merchant Services.Within Consumer Lending, the Personal Loans and Line team leads Personal Loans, Lines, and Flex Loans, with a focus on product innovation, pricing, and portfolio performance. This Senior Lead Product Manager role will drive product strategy and business performance through data-driven analysis, financial evaluation, and strategic planning. The individual will leverage portfolio performance insights, forecasting, lending economics, and market dynamics to identify opportunities, develop business recommendations, and influence product and portfolio decisions across a highly matrixed organization. Learn more about the career areas and business divisions at wellsfargojobs.com. In this role, you will:Advise experienced leadership to develop or influence business plans, business requirements, direct product design and implementation for complex business and technical needsIdentify actionable insights through portfolio, product, and business performance analysis; develop business cases, conduct cost-benefit analyses, and evaluate strategic opportunities to support growth initiatives and investment decisionsPerform forecasting, performance evaluations, and actual versus forecast analysis to identify key drivers, risks, opportunities, and recommendations that improve product and portfolio outcomesOversee overall product management and strategic focus for the lending products and servicesLead the strategy and resolution of complex and unique challenges requiring in-depth understanding of potential synergies, opportunities companywideDeliver solutions that are long-term, large scale, and require consideration of global market dynamics, trends, regulatory impact, and risk managementProvide vision, direction and expertise to leadership on implementing innovative and significant business solutions that are strategically focused for the personal loans product linesArticulate product vision, define scope, establish goals, and provide direction for teams to design, develop, and deliver technology and processes for updating, upgrading technologies and vendor relationshipsEngage with leaders, stakeholders, subject matter experts across marketing, finance, credit risk, legal, and product developmentServe as an adept advisor to leadershipRequired Qualifications:7+ years of Product Management, product development, strategic planning, process management, change delivery, or agile product owner experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, educationDesired Qualifications:7+ years of experience in P&L management, pricing, product management, credit risk, or finance in financial servicesIn-depth experience in lending product management with P&L responsibilities, preferably within consumer lending personal loansKnowledge and understanding of lending strategies and methodologies, and key performance driversStrong financial and quantitative analysis skills to help maximize performance metrics linked to lending P&LStrong analytical skills, including segmenting performance, conducting funnel analytics, and deriving insights from large datasetsDemonstrated ability to use data, competitive insights, and cost‑benefit analysis to drive decisions in cross‑functional, matrixed environmentsExperience performing forecasting, performance evaluations, and actual versus forecast analysis to identify drivers, risks, and opportunities and inform strategic recommendationsExperience extracting, analyzing, and synthesizing data to develop business insights and recommendations; experience with SAS, SQL, Python, or similar analytical tools preferredStrategic thinker with demonstrated ability to structure ambiguous problems and develop actionable, insight‑driven recommendationsExperience building strong relationships, influencing without authority, and collaborating effectively across multiple lines of business in complex, matrixed environmentsExceptional communication skills, including the ability to build executive‑ready presentations that translate complex analysis into clear, compelling insightsResults‑driven, highly organized and adaptable, skilled at prioritizing and delivering results in fast-paced, dynamic settingsConsulting experience (internal or external) strongly preferredMaster’s Degree, MBA or higher preferredJob Expectations:This role offers a hybrid work scheduleAbility to travel up to 10% of the timeThis position is not eligible for Visa sponsorshipPosting Locations:2200 Concord Pike, Wilmington, DE 19803550 S Tryon Charlotte, NC 28202401 Las Colinas Blvd Irving, TX 75039300 Highway 169 S, Minneapolis, MN 55426Required location(s) listed above. Relocation assistance is not available for this position.Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.$139,000.00 - $239,000.00Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.Health benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursementPosting End Date:5 Sep 2026*Job posting may come down early due to volume of applicants.We Value Equal OpportunityWells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.Applicants with DisabilitiesTo request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.Wells Fargo Recruitment and Hiring Requirements:a. Third-Party recordings are prohibited unless authorized by Wells Fargo.b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
Locations
- DE, WILMINGTON
- TX, IRVING
- NC, CHARLOTTE
- MN, MINNEAPOLIS
Skills Required
- P&L managementintermediate
- lending product management with P&L responsibilitiesintermediate
- SASintermediate
- strong relationshipsintermediate
Required Qualifications
- 7+ years of Product Management, product development, strategic planning, process management, change delivery, or agile product owner experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education (experience, 7 years)
- 7+ years of Product Management, product development, strategic planning, process management, change delivery, or agile product owner experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education (experience, 7 years)
- 7+ years of experience in P&L management, pricing, product management, credit risk, or finance in financial services (experience, 7 years)
- In-depth experience in lending product management with P&L responsibilities, preferably within consumer lending personal loans (experience)
- Knowledge and understanding of lending strategies and methodologies, and key performance drivers (experience)
- Strong financial and quantitative analysis skills to help maximize performance metrics linked to lending P&L (experience)
- Strong analytical skills, including segmenting performance, conducting funnel analytics, and deriving insights from large datasets (experience)
- Demonstrated ability to use data, competitive insights, and cost‑benefit analysis to drive decisions in cross‑functional, matrixed environments (experience)
- Experience performing forecasting, performance evaluations, and actual versus forecast analysis to identify drivers, risks, and opportunities and inform strategic recommendations (experience)
- Experience extracting, analyzing, and synthesizing data to develop business insights and recommendations; experience with SAS, SQL, Python, or similar analytical tools preferred (experience)
- Strategic thinker with demonstrated ability to structure ambiguous problems and develop actionable, insight‑driven recommendations (experience)
- Experience building strong relationships, influencing without authority, and collaborating effectively across multiple lines of business in complex, matrixed environments (experience)
- Exceptional communication skills, including the ability to build executive‑ready presentations that translate complex analysis into clear, compelling insights (experience)
- Results‑driven, highly organized and adaptable, skilled at prioritizing and delivering results in fast-paced, dynamic settings (experience)
- Consulting experience (internal or external) strongly preferred (experience)
- Master’s Degree, MBA or higher preferred (degree in higher preferred)
- 7+ years of experience in P&L management, pricing, product management, credit risk, or finance in financial services (experience, 7 years)
- In-depth experience in lending product management with P&L responsibilities, preferably within consumer lending personal loans (experience)
- Knowledge and understanding of lending strategies and methodologies, and key performance drivers (experience)
- Strong financial and quantitative analysis skills to help maximize performance metrics linked to lending P&L (experience)
- Strong analytical skills, including segmenting performance, conducting funnel analytics, and deriving insights from large datasets (experience)
- Demonstrated ability to use data, competitive insights, and cost‑benefit analysis to drive decisions in cross‑functional, matrixed environments (experience)
- Experience performing forecasting, performance evaluations, and actual versus forecast analysis to identify drivers, risks, and opportunities and inform strategic recommendations (experience)
- Experience extracting, analyzing, and synthesizing data to develop business insights and recommendations; experience with SAS, SQL, Python, or similar analytical tools preferred (experience)
- Strategic thinker with demonstrated ability to structure ambiguous problems and develop actionable, insight‑driven recommendations (experience)
- Experience building strong relationships, influencing without authority, and collaborating effectively across multiple lines of business in complex, matrixed environments (experience)
- Exceptional communication skills, including the ability to build executive‑ready presentations that translate complex analysis into clear, compelling insights (experience)
- Results‑driven, highly organized and adaptable, skilled at prioritizing and delivering results in fast-paced, dynamic settings (experience)
- Consulting experience (internal or external) strongly preferred (experience)
- a. Third-Party recordings are prohibited unless authorized by Wells Fargo. (experience)
- b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process. (experience)
Responsibilities
- Advise experienced leadership to develop or influence business plans, business requirements, direct product design and implementation for complex business and technical needs
- Identify actionable insights through portfolio, product, and business performance analysis; develop business cases, conduct cost-benefit analyses, and evaluate strategic opportunities to support growth initiatives and investment decisions
- Perform forecasting, performance evaluations, and actual versus forecast analysis to identify key drivers, risks, opportunities, and recommendations that improve product and portfolio outcomes
- Oversee overall product management and strategic focus for the lending products and services
- Lead the strategy and resolution of complex and unique challenges requiring in-depth understanding of potential synergies, opportunities companywide
- Deliver solutions that are long-term, large scale, and require consideration of global market dynamics, trends, regulatory impact, and risk management
- Provide vision, direction and expertise to leadership on implementing innovative and significant business solutions that are strategically focused for the personal loans product lines
- Articulate product vision, define scope, establish goals, and provide direction for teams to design, develop, and deliver technology and processes for updating, upgrading technologies and vendor relationships
- Engage with leaders, stakeholders, subject matter experts across marketing, finance, credit risk, legal, and product development
- Serve as an adept advisor to leadership
- Advise experienced leadership to develop or influence business plans, business requirements, direct product design and implementation for complex business and technical needs
- Identify actionable insights through portfolio, product, and business performance analysis; develop business cases, conduct cost-benefit analyses, and evaluate strategic opportunities to support growth initiatives and investment decisions
- Perform forecasting, performance evaluations, and actual versus forecast analysis to identify key drivers, risks, opportunities, and recommendations that improve product and portfolio outcomes
- Oversee overall product management and strategic focus for the lending products and services
- Lead the strategy and resolution of complex and unique challenges requiring in-depth understanding of potential synergies, opportunities companywide
- Deliver solutions that are long-term, large scale, and require consideration of global market dynamics, trends, regulatory impact, and risk management
- Provide vision, direction and expertise to leadership on implementing innovative and significant business solutions that are strategically focused for the personal loans product lines
- Articulate product vision, define scope, establish goals, and provide direction for teams to design, develop, and deliver technology and processes for updating, upgrading technologies and vendor relationships
- Engage with leaders, stakeholders, subject matter experts across marketing, finance, credit risk, legal, and product development
- Serve as an adept advisor to leadership
Benefits
- general: Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
- general: Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- general: Health benefits
- general: 401(k) Plan
- general: Paid time off
- general: Disability benefits
- general: Life insurance, critical illness insurance, and accident insurance
- general: Parental leave
- general: Critical caregiving leave
- general: Discounts and savings
- general: Commuter benefits
- general: Tuition reimbursement
- general: Scholarships for dependent children
- general: Adoption reimbursement
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